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Insurance is an essential financial instrument that protects people and their investments from unforeseen events. Choosing the right policy requires a bit of research, comparison shopping and understanding insurance basics.
It's also a good idea to consider working with an independent agent or broker instead of a captive agent who represents one company. They will offer more options to compare.
There are many forms of insurance that can protect your assets, income and most importantly, the people you love. However, the maze of jargon, policies and options can be intimidating for first-timers. Educating yourself on the basics can help you choose a policy that fits your needs.
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For example, when buying auto insurance, you will need to decide between liability coverage (which pays for damages or injuries that you are responsible for) and collision and comprehensive coverage. Talk to an agent to learn more about what each one covers and what options are available. You may also want to consider adding personal injury protection, which is required in some no-fault states and pays for your medical expenses regardless of who is at fault in an accident.
Health insurance coverage can come from your job, a public program such as Medicare or Medi-Cal, or you can purchase it privately for yourself and/or family members. If purchasing your own plan, make sure it meets the minimum essential requirements standards set by healthcare reform. Additionally, read your policy carefully to understand what benefits are offered, including any limits or waiting periods.
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Lastly, you will need to review your coverage on a yearly basis. This will be a good time to ask an agent if any of your assets have changed, and to find out what options are available to you to reduce your risk and lower your premiums. For example, home improvements such as a new roof or burglar alarm can potentially lower your rates, while taking a safe driving course and having a clean driver's license can help you save on auto insurance. You might also be able to save by "bundling" your auto and home policies with the same carrier.
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